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    • Well we can't predict what the judge will believe. PE will say that they responded in the deadline and you will say they don't. Nobody can tell what a random DJ will decide. However if you go for an OOC settlement you should still be able to get some money
    • What do you guys think the chances are for her?   She followed the law, they didnt, then they engage in deception, would the judge take kindly to being lied to by these clowns? If we have a case then we should proceed and not allow these blatant dishonest cheaters to succeed 
    • I have looked at the car park and it is quite clearly marked that it is  pay to park  and advising that there are cameras installed so kind of difficult to dispute that. On the other hand it doesn't appear to state at the entrance what the charge is for breaching their rules. However they do have a load of writing in the two notices under the entrance sign which it would help if you could photograph legible copies of them. Also legible photos of the signs inside the car park as well as legible photos of the payment signs. I say legible because the wording of their signs is very important as to whether they have formed a contract with motorists. For example the entrance sign itself doe not offer a contract because it states the T&Cs are inside the car park. But the the two signs below may change that situation which is why we would like to see them. I have looked at their Notice to Keeper which is pretty close to what it should say apart from one item. Under the Protection of Freedoms Act 2012 Schedule 4 Section 9 [2]a] the PCN should specify the period of parking. It doesn't. It does show the ANPR times but that includes driving from the entrance to the parking spot and then from the parking place to the exit. I know that this is a small car park but the Act is quite clear that the parking period must be specified. That failure means that the keeper is no longer responsible for the charge, only the driver is now liable to pay. Should this ever go to Court , Judges do not accept that the driver and the keeper are the same person so ECP will have their work cut out deciding who was driving. As long as they do not know, it will be difficult for them to win in Court which is one reason why we advise not to appeal since the appeal can lead to them finding out at times that the driver  and the keeper were the same person. You will get loads of threats from ECP and their sixth rate debt collectors and solicitors. They will also keep quoting ever higher amounts owed. Do not worry, the maximum. they can charge is the amount on the sign. Anything over that is unlawful. You can safely ignore the drivel from the Drips but come back to us should you receive a Letter of Claim. That will be the Snotty letter time.
    • please stop using @username - sends unnecessary alerts to people. everyone that's posted on your thread inc you gets an automatic email alert when someone else posts.  
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natwest bank charges


benchey
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i have receved letter from the bank not sure about what saying please can some one advise. they offered me a settlement £1,000 sort of my claim they are saying that ' you will notice from our letter that a number of items on the advantage gold account are non-refundable as this was taken into account when assessing the claim on your account. there for we regret we are unable to increase the offer'

(ADVANTAGE PACKAGE ACCOUNT FEES, STOPPED CHEQUE FEES, INTEREST AND CHARGES REFUNDS ALREADY APPLIED TO YOUR ACCOUNT WILL HAVE BEEN EXCLUDED AS APPROPRIATE.)

can some one advise as not sure to except there offer as might lose altogether thanks.

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Benchey

 

How does the offer compare with your claim?

 

The bank is right that youcanot reclaim advantage gold package fees (currently £12/month) stopped cheque fees or interest (except interest that is attributable to charges). THe chares youcan claim are things like paid referrals, unarrranged borrowing fees, etc.

 

If they haven't included ALL those then they might say the are 'unable to increase the offer' but we'll see about that!

 

Don't worry, you are not going to lose

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site.

 

 

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Hi Benchey, welcome to the Natwest forum.

 

Depends what you have claimed for. Advantage Gold monthly fee is not reclaimable, nor is total overdaft interest, the only interest you can claim is the portion of the interest that was caused by the charges, if you see what I mean. i wouldn't have thought you could claim for you yourself stopping a cheque, as this is a service they would have carried out at your request. If they've already refunded some charges then you can't reclaim these.

Best thing to do is recalculate your charges in the light of this, and see how much it comes to, and if its anyewhere like what they've offered you, then decide whether to accept offer or not.

 

There's various spreadsheets on here that will help, but I can't post a link cos I'm crap at it....no doubt someone will post the link in a minute.

 

Hope this helps

 

wendy

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Hi benchey, welcome on board the nat west forum!!

 

This is pretty much a standard letter (got one meself today actually!!!)

If you're absolutely sure about your schedule of charges, then reject the offer and pursue them for the full amount. However, double check your statements and schedule just to make sure. They're quite right when they say they won't repay any charges they've already refunded you for, along with Advantage Gold package fees (this is a fee for a genuine service). However, overdraft interest is a legitimate claim, as is a stopped cheque fee (although someone will correct me if I'm wrong!!!)

 

If you're deffo sure about what you're claiming for, send them one of these Rejecting Offers and then make a decision as to what you want to do next. That will depend on what stage you're at though. If you've already sent them prelim and LBA - then you may want to consider filing at court.

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Oooooooooooo Wendy........ snap!!!!!!!

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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Absolutely right Wendy - world of difference. You can claim back charges for the latter but not the former

 

Steven

 

If this post is helpful, please click the scales

Any opinions are without prejudice & without liability.

Almost everything I know concerning the law I learned from this site.

 

 

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  • 1 month later...

Sorry just a quick message regarding NatWest. I sent my initial letter to an address in Borehamwood, is this the correct address? Have people had quicker, better results from other addresses?

Any help would be special.

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Borehamwood is the address to send the prelim and LBA.

 

Please start your own thread in this forum. You'll receive advice specific to your own claim and people will be able to track your progress.

 

Best of luck :)

Can't find what you're looking for? Please have a look at Michael Browne's

A-Z Guide

*** PLEASE NOTE ***

I do not answer queries via PM. If you send me a PM, please include a link to your thread - any advice I am able to offer will be on your thread.

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The Borehamwood address is the correct place to sent prelems and lba letters.

!2 years Tesco distribution supervisor

7 years Sainsburys Transport Manager

 

4 Years housing officer ( Lettings )

Partner... 23 Years social services depts

 

All advice is given through own opition, also by seeking/searching info on behalf of poster, and own personnel dealings.

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